The first-floor unit was consistently rented at a low rate to my family members to provide assistance.

I'd be happy to refer any of my clients your way if they are seeking a Realtor who understands investments. 

If you are seeking a more traditional DSCR type loan, then typical guidelines apply; Credit, Liquidity, and Experience. 

Reach out if I can be of any assistance.

Maybe this would also make it worthwhile to jump through the city hoops to make the basement a legal unit.Then you could maybe put a LTR in the basement who could assist with the STR in the main area.

Readers are advised to seek professional advice.

If you ever need insights on managing properties effectively, tenant placement, or maximizing your cash flow, feel free to reach out.I’d love to connect and explore ways we can collaborate or assist each other.

Readers should seek professional advice.I believe the Note creates liability for the loan, the mortgage creates a lien on the real property that secures the debt. 

There may be government programs that can assist with tax credits or low interest loans depending on where you are, but again, they will probably require experience.Hope this helps somewhat.

He invests a lot in the area and is also a realtor if you need any possible further assistance from his as well!